All Terms and Conditions, fees and charges, interest rates and product information (including exclusions) listed below are available at bankvic.com.au/tpavqantas, by calling 13 63 73 or at a branch. You must be a member of the Qantas Frequent Flyer Program to earn and redeem Qantas Points. A joining fee usually applies. However, complimentary membership is available from BankVic if you join at bankvic.com.au/tpavqantas. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. 1. Qantas Points accrue in accordance with and subject to the BankVic Qantas Rewards Program terms and conditions. Eligible purchases exclude items such as business expenses, balance transfers and cash advances. Please refer to the BankVic Qantas Rewards Program terms and conditions for a full list of exclusions. 2. If you want to transfer from your current BankVic credit card to the BankVic Qantas Visa credit card the ongoing interest rates apply. 3. Interest rates quoted are current at the time of publication and subject to change. Fees and Charges, Terms and Conditions apply. Applicant must be a retired or current member of TPAV, and are subject to BankVicâs credit assessment criteria. 4. BankVic provides Complimentary Overseas Travel Insurance Issuer Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. Consider your circumstances before using cover to ensure it meets your needs.